2021 Annual Report
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Our Performances

Despite an automotive environment disrupted by the pandemic and the semiconductor crisis, the 2021 results demonstrate the strength of the RCI Bank and Services business model. 

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A solid commercial and financial performance

Financing

Contract_(signed)
1,4
million of new financing contracts
-6.9% vs 2020
Credit
17,8
billion euros of new financings
-0.2% vs 2020
Car
46 %
financed registrations
vs 44.2% in 2019
Used_car
363 711
of financing contracts on used vehicles
+4.1% vs 2020

Services

4,7
millions of service contracts
+2% vs 2020
3
service sold per financed vehicle
vs 2.83 in 2020

Financial Performance

Indicator
44,8
billion euros in average performing assets
-4.6% vs 2020
Management_tool
1 194
million euros in pre-tax income
+19% vs 2020
Financial_product
1 828
million euros in net banking
-6.5% vs 2020

A resistance of the key indicators despite a disturbed context

TOTAL NUMBER OF VEHICLE CONTRACTS
(in thousands)
-6.9%
Financing penetration rate
(in percentage of registrations)
(1) The lower penetration rate group of 2021 is due to the integration of Lada which has a low penetration rate (4.9%). (2) S.M.E : Companies consolidated for the equity method (Turkey, Russia and India).
New Financings
(excl. personal loans and credit cards/in millions of euros)
-0.2%
NET ASSETS AT YEAR-END ³
(in millions of euros)
-4.7%
(3) Net assets at year-end: net total outstandings + operating lease transactions net of depreciation and impairment

RESULTS

(in millions of euros)
  • Pre-tax income
  • Return On Equity (ROE)
  • After-tax income (parent company shareholder's share)

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